Vic Music Org is arranging a 2 am lockout show to lobby the current trial decision by the
Brumby government which is certain to create difďŹculties for those in the music and hospi-
tality industries.
Premier John Brumby yesterday released details of alcohol reforms cover-
ing law and order and health to counter a wave of violence and illness. The lock out sys-
tem will see drinkers banned from entering inner city bars, pubs and clubs after 2am. The
Crown Casino gaming ďŹoor is exempt from this law.

Whilst VIC MUSIC appreciates a problem with escalating violence and binge drinking in
todays society we feel that other reforms could be more productive in alleviating the initial
issue. We aim to produce a highly researched document and a new VIC MUSIC Initiative
offering support to our lobby and will gladly work with the government and other associa-
tions in countering negative effects within the entertainment industry.

Details of our new initiative and 2 am Lock Out Show will be available at this site and press
soon.

Type of Coverage to Expect from Car Insurance

Car insurance is a legal requirement in most regions before a driver can get on the road. It means learning about insurance is necessary as soon as an individual is old enough to drive. As more people acquire vehicles, auto insurance products keep flooding the market. Trying to find a suitable policy when you are not even clear about the fundamentals of motor insurance can be a bit confusing. One frequent question about these products is what type of coverage they offer. Before you begin paying for a car insurance policy, know how it caters to your needs as a driver. Although coverage varies across states, the insurer, and product, some features are basic.

Property Damage Liability

During a collision, your car may cause damage to another vehicle or other objects like lampposts, buildings, and fences. Property damage liability allows a car insurance policyholder to pay for such costs. Coverage also kicks in if someone else was driving your car with your permission. Most states set a minimum amount on these policies. An insurer will typically pay for damages up to the policy limit while you are responsible for the excess costs.

Medical Payments or PIP

Personal injury protection or medical payment is another element of car insurance coverage that caters to your individual needs. While liability coverage takes care of the other parties involved in an accident, PIP pays for the bills of the policyholder and passengers. The degree of the coverage will depend on the policy, but PIP will pay for medical treatment and lost wages. Some policies even pay for funeral expenses where they apply.

Bodily Injury Liability

Car insurance quotes can include coverage for injuries caused by the policyholder. Say you or a family member crashes the vehicle resulting in injuries to another road user. This coverage will pay for the medical care required by the third party. Family members who receive coverage must be listed in the contract. The policy has state required minimums for bodily injury liability, but it’s advisable to get more than that. If the policyholder is found negligent in a collision, the injured party can sue for personal injury compensation including lost income, medical treatment, and emotional suffering, which can be in large amounts. Learn more about Car Insurance www.youi.com.au/car-insurance

Uninsured and Underinsured

Even though most states require car insurance, not every driver will have it, and some may have below limit coverage. It means that in an accident case, such drivers would not be capable of paying for the damages you incur whether you sue them or not. With an uninsured policy, you receive cover for property damage and personal injury after an accident. In the instance of an underinsured motorist, your cover will only apply once the other driver’s has run out.

Collision Coverage

When your vehicle hits a pothole and breaks an expensive component or a tree drops on it while driving in stormy weather, who pays? Collision coverage applies in such instances. The quote is designed to cover damage to the policyholder’s vehicle. This insurance policy helps you pay for repairs even when at fault in a crash. Collision car insurance coverage is usually sold with a deductible, which influences the cost of the premiums.

Car Insurance

Some people think that obtaining car insurance after not having a policy for a time is no different from changing providers. In fact, a lapse of coverage for any reason will have some impact on how insurance providers evaluate the application for coverage. Here are some things you need to know about lapses and what they mean for you in the future.

Reasons Why People Allow the Coverage to Lapse

There are several situations that lead to a lapse in coverage. One has to do with forgetting to pay the premiums. When this happens, the policy is canceled and the benefits are no longer available. The provider may work with the client to reinstate the Car Insurance by Youi, but rest assured there will be some additional fees and charges to pay.

Sometimes the lapse in coverage is due to some type of lifestyle change. For example, the individual may be without a vehicle for a year or so and not need car insurance. When a car is purchased after a couple of years, most insurance providers don’t treat the situation as if the applicant is seeking coverage for the first time. The past history is taken into consideration and the lapse does impact the rates that the individual can command.

Why Does the Lapse Lead to Higher Premiums?

The reason that car insurance providers require higher premiums after a lapse in coverage is because the applicants are perceived to constitute a higher risk than individuals who maintain coverage on a regular basis. In a sense, the applicant is having to start over in terms of establishing a reputation that indicates responsible driving habits.

This is true even if the individual has only been without coverage for a year and the driving record for the last five years is spotless. For at least the first year of the insurance term, expect to pay higher premiums.

Will It Be Like This From Now On?

The good news is that you don’t necessarily have to deal with higher premiums for the rest of your life. Once you get past that first year, you may find that your current provider is willing to take a second look. If you have not had a claim during that time and your driving record remains spotless, there is the potential that the provider will be willing to extend more competitive terms.

Alternatively, you might be able to approach another auto insurance provider and explain that you’ve had continuous coverage after a period of not having insurance. An agent with that competing company will determine if it is possible to offer more competitive terms and still provide at least the same level of benefits.

If you have not had car insurance coverage for awhile, rest assured you can still obtain a policy. Expect to pay a little more for now, but know that the day will come when you can once again obtain more competitive pricing.